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Old 02.02.2016, 23:51
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Budget - Please Help me fill the blanks

I am trying to calculate our monthly budget and need some help filling the numbers.

We are a family with a little baby girl with around 1 year old, by the time we get there she will possibly be around 2 or 3. (she will be studying in a public school)

At first we will have only one person working and the other staying home, so take that in account for transport and any other relevant expenses.

We are not sure about where we will live, most likely in Zurich or Basel.

Expenditures:

--- 3 bedroom apartment (here it's in a good place 1 hr from city center by bus, 30 min by car):
--- gas/energy/water:
--- gym:
--- car expenses without fuel (car here is around 10 years old):
--- car fuel:
--- supermarket (if in Switzerland):
--- supermarket (if outside Switzerland)
--- internet broadband:
--- unexpected expenses (every month there is something we don't expect):
--- entertainment (we usually go out once a week to a non-expensive restaurant/cafe):
--- transport (only one will be working):
--- mobile phone (for 2):
--- health care:

those are the basic expenditures we have in Dublin and I know there is more for CH, so please help me on that as well
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Old 03.02.2016, 00:38
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Re: Budget - Please Help me fill the blanks

I know this subject has been exhaustively discussed but the idea is to get a more up-to-date figure. I have read a few posts but most posts are back from 2010

Please make sure you specify the city your are filling the blanks with.
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Old 03.02.2016, 00:44
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Re: Budget - Please Help me fill the blanks

This thread is a sheer example of and probably one of the reasons that we have on the EF popping up such conflicting whiny threads as Yet another "hostility on EF" thread

There's plenty of info online and the incumbent is too lazy to do the homework by himself.
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Old 03.02.2016, 01:10
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Re: Budget - Please Help me fill the blanks

https://www.google.ch/#q=Budget+examples

If you are just getting started budgeting, I suggest reading this article first: How to make a budget. Once you are finished, you can look through the 70+ sample budgeting categories and then come back to this article and download one of these sheets.

Switzerland has had zero inflation for many years, the figures are accurate.

Budget For Family of 4 in Basel
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Old 03.02.2016, 01:11
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Re: Budget - Please Help me fill the blanks

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This thread is a sheer example of and probably one of the reasons that we have on the EF popping up such conflicting whiny threads as Yet another "hostility on EF" thread

There's plenty of info online and the incumbent is too lazy to do the homework by himself.
You're right! I think i could have searched more. I'll try to do the homework and keep this post up to date. If you can, give me some number also, that will help me
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Old 03.02.2016, 01:21
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Re: Budget - Please Help me fill the blanks

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I am trying to calculate our monthly budget and need some help filling the numbers.

We are a family with a little baby girl with around 1 year old, by the time we get there she will possibly be around 2 or 3. (she will be studying in a public school)

At first we will have only one person working and the other staying home, so take that in account for transport and any other relevant expenses.

We are not sure about where we will live, most likely in Zurich or Basel.

Expenditures:

--- 3 bedroom apartment (here it's in a good place 1 hr from city center by bus, 30 min by car): www.homegate.ch, www.comparis.ch
--- gas/energy/water: we pay about CHF150 quarterly
--- gym: CHF500-1000 per annum membersip
--- car expenses without fuel (car here is around 10 years old):
--- car fuel: CHF1.25-1.35 per litre check www.migrol.ch
--- supermarket (if in Switzerland): www.coop.ch, www.migros.ch, www.denner.ch etc
--- supermarket (if outside Switzerland) www.kaufland.de, www.lidl.de, www.aldi.de
--- internet broadband: www.cablecom.ch, www.swisscom.ch depending on package
--- unexpected expenses (every month there is something we don't expect):
--- entertainment (we usually go out once a week to a non-expensive restaurant/cafe): budget CHF50-100 per person night out
--- transport (only one will be working): www.sbb.ch
--- mobile phone (for 2): www.salt.ch, www.swisscom.ch and etc
--- health care: www.comparis.ch search for health insurance options

those are the basic expenditures we have in Dublin and I know there is more for CH, so please help me on that as well
Ok - one more time! Check the above links and products according to your preferences. Cannot give you exact numbers as products vary depending on what you eat, what fuel type does your car take, what kind of gym you will frequent, type of insurance schemes and options, accommodation type, restaurants preference, ticket class and etc ...
http://www.numbeo.com/cost-of-living...ry=Switzerland

Last edited by jacek; 03.02.2016 at 01:32.
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Old 03.02.2016, 08:49
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Re: Budget - Please Help me fill the blanks

The numbers from 2010 are not going to be far off what they are now - maybe out by a few % but not major - and considering you are only thinking of a move in a year or so aren't that important. Give or take, for 3 people you're looking at needing 120k household income (2 adults + 1-2 children) - for a comfortable but not luxurious life. You can get by on less - and you can have a better life with more.

A 4.5 room apartment (Swiss for 3 bedrooms) ranges from 850chf to 10,700chf per month in Zurich and the surrounding areas (according to current Homegate search) - and insurance (per person) can be from 150 to thousands per month depending on semi-private/private add-ons.

Your best is to contact recruiters in Zurich/Basel with your CV - then call them and find out how easy it is for you to get work and how much you'd expect to earn as a permie or a contractor.

From there you can use Homegate (to find a flat under 30% of gross salary), Comparis (for the costs of health/car/buildings insurance), Salt/Swisscom/Cablecom (Mobile/Internet costs) and Autoscout (for buying a car).

Finally - for entertainment simply use google/google maps to find a restaurant in town - go to their website - look at their menu!
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Old 03.02.2016, 09:19
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Re: Budget - Please Help me fill the blanks

Ah ... Why not..

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--- 3 bedroom apartment (here it's in a good place 1 hr from city center by bus, 30 min by car):
24000 CHF/year
--- gas/energy/water:
1200 CHF/year
--- gym:
go outdoors, it's free and healthier
--- car expenses without fuel (car here is around 10 years old):
3000 CHF/year (road tax, insurance, parking, basic service in a third party garage)
--- car fuel:
10000km @ 7l/100km @ 1.3CHF/l = 910 CHF/year
--- supermarket (if in Switzerland):
12000CHF/year
--- supermarket (if outside Switzerland)
not worth the time wasted on weekends
--- internet broadband:
1000 CHF/year
--- unexpected expenses (every month there is something we don't expect):
plan better or have savings
--- entertainment (we usually go out once a week to a non-expensive restaurant/cafe):
non expensive would be ~60CHF here
50 weeks * 60 CHF = 3000 CHF
--- transport (only one will be working):
isn't that included in car expenses? Otherwise the GA (public transport supscription) is 3655CHF and a good deal
--- mobile phone (for 2):
800CHF/year (Mbudget One; Coop mobilel at 29 CHF/month).
--- health care:
10000CHF/year for a family of 4 - may be more or less depending on the "franchise" chosen.
Don't forget also the household insurance costs, banking costs and perhaps some language courses. I'd budget another 3000 CHF for these. And Billag. That's 500 CHF.

add +10% to be safe and another 20% for vacations and/or savings. Basically, 60000 CHF is manageable. More is better obviously.
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Old 03.02.2016, 09:53
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Re: Budget - Please Help me fill the blanks

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add +10% to be safe and another 20% for vacations and/or savings. Basically, 60000 CHF is manageable. More is better obviously.
Um - you are aware your total is 63k + 30% = 82k - after deductions - total of around 25% (all in) = GROSS salary of 110k.

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Old 03.02.2016, 09:55
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Re: Budget - Please Help me fill the blanks

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Ah ... Why not..



Don't forget also the household insurance costs, banking costs and perhaps some language courses. I'd budget another 3000 CHF for these. And Billag. That's 500 CHF.

add +10% to be safe and another 20% for vacations and/or savings. Basically, 60000 CHF is manageable. More is better obviously.
Hi thanks a lot!
Are these prices dor Zurich or Basel?

Why did you mention shopping outside is not worthy? how much could I save? Gym would be inportant when is cold, like now. i just arrived from
the gym. outside is around 3 degrees and I am not planning getting sick.
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Old 03.02.2016, 10:15
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Re: Budget - Please Help me fill the blanks

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Um - you are aware your total is 63k + 30% = 82k - after deductions - total of around 25% (all in) = GROSS salary of 110k.
Actually its 55k , make it 60k taking in account the 10% reserve, but not the additional 20% for savings.

Quick look at the "Quellensteuertabelle" in kanton Berne tells me that 1 working parent with two kids should be paying almost not tax at all when earning 70K net, so that brings us down to 60k gross :-).
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Old 03.02.2016, 10:29
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Re: Budget - Please Help me fill the blanks

kalos, you do realise that all your questions may be mute don't you? The Swiss voted to curb immigration from the EU and that's supposed to happen by February 2017 so you may not even be able to move here.
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Old 03.02.2016, 10:32
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Re: Budget - Please Help me fill the blanks

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Actually its 55k , make it 60k taking in account the 10% reserve, but not the additional 20% for savings.

Quick look at the "Quellensteuertabelle" in kanton Berne tells me that 1 working parent with two kids should be paying almost not tax at all when earning 70K net, so that brings us down to 60k gross :-).
24000 CHF/year - rent
1200 CHF/year - bill
3000 CHF/year - car

910 CHF/year - fuel
12000CHF/year - supermarket
1000 CHF/year - internet
3000 CHF - entertainment
3655chf - travel

800CHF/year - mobiles
10000CHF/year - healthcare


That lot together is 59,565chf + 3,500chf = 63,065chf.

YOU then put 10% and 20% on top - so 77,435chf.

That is net all deductions - so 6,500chf per month NET
Give to take 7k before tax then (married with 1 child in Zurich - the requested area)
So 84k net of deductions - it would be fair to say they'll equate to around 12% base on AHV deductions and employee pension contribution.

So based on your budget that gives an absolute base gross salary of 95k - on what, for a family of 3 is a pretty meager budget - the food/entertainment budget is very tight if you are including lunches in that.

As much as we don't like it, when you're talking 2 people and a child (or 2) you are going to be looking at 120k to cover it - including a decent enough place to live and enough comforts to make the move worthwhile.

(None of which takes away from the fact that people (and family units) can and do live on less - but often when they appear to do - they receive a great deal of states assistance - health insurance deductions, vouchers for services etc etc)
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Old 03.02.2016, 10:36
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Re: Budget - Please Help me fill the blanks

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Hi thanks a lot!
Are these prices dor Zurich or Basel?

Why did you mention shopping outside is not worthy? how much could I save? Gym would be inportant when is cold, like now. i just arrived from
the gym. outside is around 3 degrees and I am not planning getting sick.
I gave you rough averages. Be so kind to do a bit of research yourself to see what 2000k in rent buys you around Zurich or Basel and if that is enough. If not, adjust the budget accordingly.
Another big contributor to costs is the health and other insurances. Very easy to check yourself on www.comparis.ch.

Shopping in Germany/France will be cheaper obviously, but not as much when you finally adjust to Swiss products. Border towns and border crossings are literally packed over the weekend, so there's an obvious loss of time which you could use better. I waste literally 0 minutes in traffic jams and shopping lines. I consider this to be the biggest quality factor of my "swiss life".
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Old 03.02.2016, 10:42
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Re: Budget - Please Help me fill the blanks

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I waste literally 0 minutes in traffic jams and shopping lines. I consider this to be the biggest quality factor of my "swiss life".
Fully concur - it is even better with the Migros self-scan

The only time I'd warrant buying stuff abroad is if you are there already. I'm staggered by the number of people who'll ship the whole family over the border for 3 hours to do the grocery shopping!

I'm also waiting for the OP to come back with their budget.
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Old 03.02.2016, 10:47
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Re: Budget - Please Help me fill the blanks

What about cloths, shoes, furniture and other household item including electronics? Does healtcare include dentist and optometrist? Will you bring your own food to work?
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Old 03.02.2016, 11:22
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Re: Budget - Please Help me fill the blanks

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What about cloths, shoes, furniture and other household item including electronics? Does healtcare include dentist and optometrist? Will you bring your own food to work?
Maybe they choose to live like Amish people or walk the streets cloth-less
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Old 03.02.2016, 12:50
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kalos, you do realise that all your questions may be mute don't you? The Swiss voted to curb immigration from the EU and that's supposed to happen by February 2017 so you may not even be able to move here.
I did not know that!
Maybe I have to hurry up!

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kalos, you do realise that all your questions may be mute don't you? The Swiss voted to curb immigration from the EU and that's supposed to happen by February 2017 so you may not even be able to move here.
Just to provide the link
https://en.wikipedia.org/wiki/Swiss_..._February_2014

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What about cloths, shoes, furniture and other household item including electronics? Does healtcare include dentist and optometrist? Will you bring your own food to work?
I don't know about the health care yet, I am still doing very basic research.

Would be common to bring food to work?
Here in Dublin it's very common even if you are the company's owner.
So I am planning to do so, but all depends whether people tend to do it or not.

Last edited by 3Wishes; 03.02.2016 at 21:28. Reason: merging consecutive replies; try the multi-quote button (to the right of Quote). ;)
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Old 03.02.2016, 14:04
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Re: Budget - Please Help me fill the blanks

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I did not know that!
Maybe I have to hurry up!
Another link here:

http://www.swissinfo.ch/eng/quotas-a...-deal/37877780

There could possibly be another vote later this year, but at the moment the plan is to have a safeguard clause written into the Swiss constitution whereby if immigration numbers get too high (how that's to be defined is anyone's guess at the moment) then the government will introduce a quota limit on EU nationals which will be similar to the current non-EU one here:

https://www.sem.admin.ch/sem/en/home...zulassung.html

The aim is to encourage employers to hire Swiss nationals and those other nationalities already living here first rather than bring in someone from the EU. So I expect you'd need a pre-approved job offer like the non-EU nationals have before you'd be able to move here.

There's a thread here on the immigration subject so keep checking for updates:

Masseneinwanderung Stoppen [initiative to limit immigration]
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Old 03.02.2016, 14:35
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Re: Budget - Please Help me fill the blanks

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I know this subject has been exhaustively discussed but the idea is to get a more up-to-date figure. I have read a few posts but most posts are back from 2010.
Prices haven't much changed since 2010 (nor since 1990).

Tom
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